India SME Credit & Financial Setup Advisor
Budget / Salary₹10,000–150,000
TypeFreelance project
LocationRemote
Posted1 hour ago
Title: Senior Financial Consultant & Business Setup Specialist (SME Banking, Credit Structuring & Lending)
Role Overview:
We are seeking an experienced Financial Consultant, Virtual CFO, or Senior Banking Specialist to structure a new commercial enterprise from scratch, establish a robust financial and regulatory footprint, and prepare the entity and promoter profile for high-limit corporate/personal credit facilities (target: ₹10L–₹30L term loan/working capital & premium business credit cards within 12–15 months).
Key Responsibilities:
1. Regulatory & Business Setup:
- Advise on optimal entity structuring (Proprietorship vs. LLP/Pvt Ltd).
- Oversee GST registration, MSME/Udyam certification, and Current Account setup with top-tier private lenders.
- Establish invoicing mechanics, compliance workflows, and revenue reporting systems.
2. Financial Architecture & Shadow Banking:
- Plan and structure cash flow patterns to demonstrate healthy Average Monthly Balance (AMB) and sustainable operating margins reflecting ₹20L–₹30L annual net profit.
- Coordinate with our CA for timely, compliant ITR preparation and filing.
3. Credit Profile Engineering & Scoring Strategy:
- Design a 12-month credit-building roadmap to take a fresh credit profile to a 770+ CIBIL score.
- Advise on secured entry points, credit card utilization thresholds, and inquiry spacing to prevent bureau scarring.
4. Loan & Credit Card Packaging:
- Prepare professional credit proposals, CMA data, bank statements, and net worth certificates.
- Guide application timing and relationship management across partner banks for vehicle finance and credit card stacking.
Requirements:
- Proven track record as a practicing CA, Ex-Banker (SME/Credit Underwriting), or Business Financial Advisor in India.
- Thorough understanding of bank underwriting algorithms, debt-service coverage ratio (DSCR), and credit bureau reporting mechanics.
- Strict adherence to legal compliance and sound accounting standards.
Engagement Model:
- Milestone-based monthly retainer with performance incentives tied to credit milestones and lending approvals.
Role Overview:
We are seeking an experienced Financial Consultant, Virtual CFO, or Senior Banking Specialist to structure a new commercial enterprise from scratch, establish a robust financial and regulatory footprint, and prepare the entity and promoter profile for high-limit corporate/personal credit facilities (target: ₹10L–₹30L term loan/working capital & premium business credit cards within 12–15 months).
Key Responsibilities:
1. Regulatory & Business Setup:
- Advise on optimal entity structuring (Proprietorship vs. LLP/Pvt Ltd).
- Oversee GST registration, MSME/Udyam certification, and Current Account setup with top-tier private lenders.
- Establish invoicing mechanics, compliance workflows, and revenue reporting systems.
2. Financial Architecture & Shadow Banking:
- Plan and structure cash flow patterns to demonstrate healthy Average Monthly Balance (AMB) and sustainable operating margins reflecting ₹20L–₹30L annual net profit.
- Coordinate with our CA for timely, compliant ITR preparation and filing.
3. Credit Profile Engineering & Scoring Strategy:
- Design a 12-month credit-building roadmap to take a fresh credit profile to a 770+ CIBIL score.
- Advise on secured entry points, credit card utilization thresholds, and inquiry spacing to prevent bureau scarring.
4. Loan & Credit Card Packaging:
- Prepare professional credit proposals, CMA data, bank statements, and net worth certificates.
- Guide application timing and relationship management across partner banks for vehicle finance and credit card stacking.
Requirements:
- Proven track record as a practicing CA, Ex-Banker (SME/Credit Underwriting), or Business Financial Advisor in India.
- Thorough understanding of bank underwriting algorithms, debt-service coverage ratio (DSCR), and credit bureau reporting mechanics.
- Strict adherence to legal compliance and sound accounting standards.
Engagement Model:
- Milestone-based monthly retainer with performance incentives tied to credit milestones and lending approvals.
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